What is the Credit Bureau of Owen Sound?
The Credit Bureau of Owen Sound is a debt collection agency that works with businesses to recover unpaid amounts.
They've been around since 1951 and are based in Owen Sound, helping companies throughout Grey and Bruce counties and the rest of South Western Ontario.
Along with their collection services, they also have in-house paralegals who can help if a case needs to go to court.
Contact Credit Bureau of Owen Sound
1-519-371-5000
Contact this debt collection agency to verify details, dispute the debt or resolve your account.
Visit agency websiteWhy is the Credit Bureau of Owen Sound calling me?
If the Credit Bureau of Owen Sound has called you, it's likely because they're trying to collect a debt for another company or organization.
Credit Bureau of Owen Sound collects for:
- Telecommunications companies (phone, internet, cable)
- Banks and financial institutions
- Government agencies
- Healthcare providers and hospitals
- Utilities (hydro, gas, water)
- Education and student loans
- Commercial businesses
- Credit card companies
Know a company Credit Bureau of Owen Sound collects for?
Credit Bureau of Owen Sound phone numbers
These numbers are commonly associated with Credit Bureau of Owen Sound:
| Phone number | Type |
|---|---|
| Main |
Some numbers are submitted by users. We call to verify each one and recheck periodically, but numbers can change.
Got a call from a number not shown here?
If you receive a call from a different number claiming to be Credit Bureau of Owen Sound, verify the debt in writing and confirm the details before paying.
Is Credit Bureau of Owen Sound a legitimate collection agency?
Yes, the company has been in business since 1951 and offers both collection and paralegal services from its office in Owen Sound.
In Ontario, collection agencies must be registered with the provincial ministry under the Collection and Debt Settlement Services Act.
Will Credit Bureau of Owen Sound affect my credit score?
A collection account from Credit Bureau of Owen Sound will severely damage your credit score once it's reported to Equifax or TransUnion.
It stays on your credit report for 6 years from the date of your first missed payment. Paying it won't remove the mark from your credit file but updates the status to paid, which looks better to future lenders.
Check your own report to see whether Credit Bureau of Owen Sound has reported the account and whether the information is correct.
What to do if Credit Bureau of Owen Sound calls you (step by step)
Step 1: Ask for written verification. Get the original creditor's name, amount, account number and the date of last activity. Don't confirm anything until you've reviewed it in writing.
Step 2: Don't share personal details. No address, date of birth or banking information until you've confirmed the debt is yours.
Step 3: Check your credit report to see what Credit Bureau of Owen Sound has reported about you. Get your free credit score and report with Borrowell.
Step 4: Dispute the debt in writing if it's wrong. Keep copies of everything you send.
Step 5: Check the statute of limitations in your province before you pay or acknowledge the debt in writing.
Step 6: Settle if the debt is correct. Sometimes, Credit Bureau of Owen Sound might accept a one-time lump sum for less than the full balance. Get any agreement in writing before you pay.
Step 7: Pay by a traceable method like online banking, e-Transfer, or card. Get a receipt.
Step 8: Get help if you can't pay. Talk to a Licensed Insolvency Trustee or non-profit credit counsellor.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Not in Ontario, Alberta, BC, Nunavut or the NWT? Find a trustee in your province
What if the debt is old?
Every province has a time limit on how long a collection agency like Credit Bureau of Owen Sound can sue you for an unpaid debt.
| Province / Territory | Limitation period |
|---|---|
| Ontario, BC, Alberta, Saskatchewan, Manitoba, New Brunswick, Nova Scotia | 2 years |
| Quebec | 3 years |
| Newfoundland and Labrador, PEI, Northwest Territories, Nunavut, Yukon | 6 years |
Once the limitation period expires, Credit Bureau of Owen Sound can still sue you, but you can raise the expired limitation period as a complete defence. The defence isn't automatic. You have to file a defence in court and plead the expired limitation period. If you don't, the court will grant default judgment as if the limitation didn't apply.
Making a payment or acknowledging the debt in writing restarts the limitation period, but only if it hasn't already expired.
These limitation periods apply to most consumer debts like credit cards, lines of credit, and personal loans. Different rules may apply to government debts, court judgments, or secured debts like mortgages.
For more information, read our guide about debt statute of limitations.
How to stop calls from Credit Bureau of Owen Sound
Send Credit Bureau of Owen Sound a cease and desist letter. Once they receive it, they have to stop phoning. The debt doesn't go away, and they can still take legal action.
Use our cease and desist letter templates
Provincial law doesn't give you this right in Manitoba, Saskatchewan, Newfoundland and Labrador, Prince Edward Island or the Yukon.
However, if the debt's on a loan, line of credit, or credit card, send the letter by registered mail under federal law. If Credit Bureau of Owen Sound is physically based in Ontario, use Ontario's law instead.
Read more: How to stop collection calls in Canada.
How to file a complaint about Credit Bureau of Owen Sound
If you think that Credit Bureau of Owen Sound is breaking any debt collection rules, contact the consumer protection authority in your province.
Before filing, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters or texts.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
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Credit Bureau of Owen Sound locations
Locations that Credit Bureau of Owen Sound operate in:
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Credit Bureau of Owen Sound Ltd.
Also known as
Owen Sound Credit Bureau
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Joe launched CollectionAgencies.ca in 2025. He has worked in Canadian personal finance since 2023. He maintains the directory, researches collection agencies across Canada and manages the site's editorial content. Agency listings are sourced from provincial licensing records and legislation.